Choose another country or region to see content specific to your location.

Continue

Banking made easy

Spend, save and manage your money, all in one place. Open a full UK bank account from your phone, for free.

Join more than 6 million people with a Monzo bank account

Download the Monzo app on iOS Download the Monzo app on Android

Free current account screen

A full UK current account
you can open in 15 minutes

Saving pots app screen

Organise your money
however you’d like with Pots

Bank account activity analysis on trends app screen

See your money in a
whole new light with Trends

Monzo Premium

Monzo Premium: Online banking that makes a statement

Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more.

Explore Monzo Premium
Monzo Premium current account feature summary

Monzo Plus

Monzo Plus Put money in your hands

Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and much more.

Explore Monzo Plus
Monzo Plus bank account feature summary

Save

Earn up to 3.16% (AER/Gross fixed) interest on your savings. That’s on a 12-month Fixed Pot with a £500 minimum deposit to open. (Fixed means the money will be locked away for 12 months while you earn interest on it.)

We offer Easy Access Savings too, which let you get your money the next working day!

Saving with Monzo
Screenshot of Monzo savings pot within current account

Manage

Pay Direct Debits through Monzo and we’ll tell you if they’re higher for the upcoming month. So no nasty surprises.

Monzo app with a notification showing your water bill being £15 more this month

Spend

Get instant notifications the second you pay. Set budgets for things like groceries and going out, and get warnings if you’re spending too fast (if you want them).

Monzo app with an instant spending notification

Using Monzo Abroad

Use Monzo anywhere in the world that accepts Mastercard. We don’t charge any fees for spending abroad, and we don’t mark up the exchange rate – unlike most other banks.

Travelling with Monzo
App screen showing travel features available with a Monzo card

A better way to pay later

Use Monzo Flex to spread the cost of pretty much anything.

If eligible it’s interest free over 3 instalments. Or there’s 6 or 12 instalments at 19% APR representative (variable) if you want more time.

More about Monzo Flex

Monzo Flex is credit for eligible 18+ year olds. Ts&Cs apply. Carefully consider the cost of using credit for purchases. Missed payments may negatively impact your credit score and you may lose the interest-free rate on existing plans.

Representative example: 19% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 19% (variable).

Monzo app showing the loan calculator
Monzo app showing the loan calculator

Borrowing: Loans and Overdrafts

We offer overdrafts up to £2,000 and loans up to £25,000. Checking if you're eligible won't leave a mark on your credit score, there are no lengthy forms to fill in, and no charges for paying us back early.

Borrowing with Monzo
Illustrations of a mobile, Monzo card, fingerprint, padlock and shield

Keep Your Money Safe

Cutting-edge technology, FSCS protection and 24/7 support if you need us urgently. Just a few of the reasons over 6 million customers trust us to keep their money safe.

Find out more about bank security with Monzo

Independent service quality survey results

Personal current accounts

Published August 2022

As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and join more than 6 million people who've changed the way they bank.

Download the Monzo app on iOS Download the Monzo app on Android